Holistic Therapist Insurance

We are able to cover therapists across a wide range of activities, including aromatherapy, acupuncture, homeopathy, massage therapies and reflexology.

An outline of the exclusions and limitations is provided below. Full details of all exclusions or limitations of cover can be found in the summary cover and policy wordings available to you through the online quotation process.

This policy does not cover:

Liability arising from any of the following;

• Eczema sufferers’ electroencephalography, surgical or dental treatment
• Any medical treatment
• Any banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA), or banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA)
• Cannabidiol (CBD) where not regulated as a novel food or a cosmetic within the United Kingdom
• Any beauty therapies undertaken
• Coronavirus including COVID-19 and SARS CoV-2, cyber incidents, wear and tear or Communicable Disease

If you would like other types of work to be included in your policy, please specify these when you speak to an agent.

Yes, we can cover therapy businesses as well as sole practitioners.

No, our policy enables you to treat all ages, from babies to centenarians.

Which you need depends very much on the specificities of your business. Employers’ liability insurance is necessary if you employ other staff as part of your company – so if you’re a sole trader, you don’t need to worry about this one. Public liability insurance protects you against accidents that may happen, implicating a client or member of the public.

This includes accidents ranging from something as small as a spilt drink over a piece of equipment, to serious bodily injury. Professional liability insurance is broader coverage which usually includes: public liability, products liability, professional indemnity, and libel and slander.

Please note that full terms, conditions, and exclusions can be found in the policy wording, a copy of which is available through the on-line quotation process. Please contact us to discuss should you require further information on this matter. 

If you provide advice to your clients at a fee, you may need professional indemnity insurance. Cover is available from between £100,000 and £3,000,000 - but remember to ensure that all your staff are covered by your policy. If you work from home, you may need home business insurance.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

To complement the legal advice line you have access to the Markel Law Hub, an online resource of expert legal and business guides, templates and content, provided by Markel Law LLP.

This covers everyday legal issues around employment, health and safety, trading and contracts, cyber and data, debt and insolvency and business law resources.